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First Time Buyer Mortgage Advice in Cardiff

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We will be With you throughout the Whole Process!

 

As a First Time Buyer in Cardiff, you may feel anxious about the journey ahead of you. It is understandably daunting, with lots of competition on the market and estate agents putting pressure on their customers.

 

This is where we are able to step in. Our team of friendly, experienced Mortgage Advisors in Cardiff will work patiently alongside you, doing their bit to ensure you are one step closer to your property owning dreams.

 

Our job is to search through thousands of mortgage deals, to find you the most appropriate deal for your personal circumstances. Whether you are taking the leap as a sole name buyer, buying with a friend or partner, or have been experiencing mortgage problems, we may be able to help.

 

A good starting point is to have a Mortgage Agreement in Principle in advance. This works in your favour when you are ready to make an offer and is something we can help with, usually being able to arrange that within the same day.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Mortgage Advice in Cardiff for First Time Buyers

As an expert Mortgage Broker in Cardiff, we have experience in helping many First Time Buyers in Cardiff onto the property ladder. There is rarely a situation that we have not encountered in our many years of service. Below are some scenarios that are popular with First Time Buyers:

 

  • Interested in buying a property and wondering what your monthly repayments and other costs may possibly be?
  • Wanting to make an offer on a property and need some help doing so?
  • Had an offer accepted already and want to get the ball rolling on your mortgage process?
  • Hit a roadblock in your journey and need some help in getting things back on track?

 

Contact us to book your free mortgage consultation.

Why choose Cardiffmoneyman for First Time Buyer Mortgage Advice in Cardiff?

As a company, we pride ourselves on being loyal to our customers. We have no ties to Banks, Building Societies or Estate Agents – We work for you and have your best interests at heart! Our Mortgage Advice team in Cardiff will do their best to ensure stress levels are kept low, that the process is clear and simple, and that industry jargon is avoided.

 

If you would prefer that someone speak with or make an offer with an Estate Agent on your behalf, we can also help. We are also able to look at sourcing conveyancing and solicitors’ quotes for you, helping you through every step of your mortgage journey!

 

We understand that as a First Time Buyer in Cardiff, the last thing you need is to be stressed out, so our team are always available to reassure you when the going gets tough.

 

Contact us to book your free mortgage consultation.

What our customers say

Common mortgage
questions

Roughly your initial mortgage consultation will take around an hour. A Mortgage Advisor in Cardiff will then recommend a potential mortgage for you, which you can then choose to take or decline – You have no obligation!

As your dedicated Mortgage Broker in Cardiff, we carry out a Fact Find to clarify what is required for your personal situation before we progress and recommend a potential mortgage. To obtain an Agreement in Principle we then need to conduct a credit check. Once all the relevant documentation has been presented to your advisor, and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

It is advised that you obtain an Agreement in Principle before you begin viewing properties in Cardiff. This helps reduce the risk of disappointment at a later stage. At the very latest you should look at getting one before you are ready to make an offer, as this will help with your bargaining position.

The average time an Agreement in Principle lasts for is between 30 and 90 days depending on the Lender you have gone with. If your Agreement in Principle expires, you can always get it refreshed.

If you are looking at things like debt consolidation or Home Improvements, then you may be able to get a second mortgage. Second mortgages may also be applicable if you are hoping to use it for yourself, a family member, a holiday home, or a Buy to Let mortgage.

When purchasing a house in Cardiff, the deposit required with High Street Lenders is usually 5%. Depending on your past credit history, this could be higher.

You may still be able to get a mortgage with a poor credit history, but this will typically require a higher deposit than usual, sometimes around 15% of the property purchase price.

To obtain a mortgage whilst Self-Employed in Cardiff once you have submitted at least one years’ account. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whilst others may choose to go off your net profit.

For an employee to prove income you are looking at the last 3 payslips and if you’re self-employed you’ll need the last 2 years of accounts. You will also need to provide proof of ID, address, and 3 months’ bank statements.

Generally speaking, our free consultations take around 1 hour. A Mortgage Agreement in Principle can usually be sorted within 24 hours. A formal mortgage offer takes about three weeks on average, depending on the circumstances.

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We make it so easy!
Our 4 step process

Step 1

A telephone test call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2020 Cardiffmoneyman

Cardiffmoneyman, 33 Cathedral Road, Cardiff, CF11 9HB.

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